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impact of bank consolidation

Updated on August 29, 2012

Impact of bank consolidation

ABSTRACT


The failure and weak capital base of the Nigeria banking sector questioned the effectiveness of the sector that is seen as one of the agent of financial stability and economic development in Nigeria. The CBN recent reform to consolidate the banking sector through drastic increase to N25billion as minimum capital base has lead to a remarkable reduction in the numbers of banks; changed their mode of operation and their contribution to the economy.

This research through literature review explores the effect of this consolidation on both the banks and the Nigeria economy and found that the induced CBN reform has changed the market structure of the banking sector; increased the efficiency and reliability of the banks and created opportunities for financial institutions.

The research posits further that “reforms of this nature such as consolidation of banks are one of the ways to improve the banking sector for financial stability and sustainable development”. Hence, recommend that further bank reforms be worked on so as to improve efficiency in the industry for the sake of economic development.

















TABLE OF CONTENT

PAGES

TITLE PAGE i

CERTIFICATION ii

DEDICATION iii

ACKNOWLEDGMENT iv

ABSTRACT v

1.0 CHAPTER ONE -: INTRODUCTION

1.1 BACKGROUND OF STUDY

1.2 STATEMENT OF PROBLEM

1.3 OBJECTIVE OF STUDY

1.4 RESEARCH QUESTIONS

1.5 HYPOTHESIS

1.6 SCOPE OF STUDY

1.7 SIGNIFICANCE OF STUDY

1.8 LIMITATION OF STUDY

1.9 DEFINITION OF TERMS

2.0 CHAPTER TWO -: LITERATURE REVIEW

2.1 INTRODUCTION

2.2 CONCEPT OF BANK CONSOLIDATION

2.3 EVOLUTION OF BANKING IN NIGERIA

2.4 ROLE OF BANKS IN THE NIGERIA ECONOMY

2.5 POSITION OF THE BANKING SECTOR BEFORE CONSOLIDATION

2.6 OBJECTIVE OF BANK CONSOLIDATION

2.7 BANK CONSOLIDATION THROUGH MERGER AND ACQUISITION

2.8 IMPACT OF CONSOLIDATION ON THE BANKING SECTOR

2.9 EFFECT OF BANK CONSOLIDATION ON THE NIGERIA ECONOMY

3.0 CHAPTER THREE -: RESEARCH METHODOLOGY

3.1 RESEARCH DESIGN

3.2 AREA OF STUDY

3.3 POPULATION OF STUDY

3.4 SOURCE OF DATA

3.5 SAMPLING METHOD

3.6 RESEARCH INSTRUMENTATION

3.7 VALIDITY AND RELIABILITY OF RESEARCH INSTRUMENT

3.8 METHOD OF INVESTIGATION

4.0 CHAPTER FOUR -: DATA ANALYSIS

4.1 PRESENTATION AND ANALYSIS

4.2 TEST OF HYPOTHESIS

5.0 CHAPTER FIVE -: SUMMARY OF FINDINGS / CONCLUSION

5.1 SUMMARY OF FINDING

5.2 CONCLUSION

RECOMMENDATION

REFERENCES

CHAPTER ONE

INTRODUCTION

1.1 BACKGROUND OF STUDY

Nigeria banking sector has experienced a boom-and-burst cycle in the past 20-25 years. After the implementation of the structural adjustment programme (SAP) in 1986 and de-regulation of the financial sector, new banks proliferated mainly driven by attractive arbitrage opportunities in the foreign exchange market (Heiko 2007), but prior to the de-regulation period, financial intermediation never took off and even declined in the1980’s and 1990’s (Capirio and Kligbiel).

The sector was highly oligopolistic with remarkable features of market concentration and leadership. Lemo noted that there are ten banks that control more than 50% of the aggregate assets of the banking sector, more than 51% of the aggregate deposits liabilities and more than 45%of the aggregate credits.

The sector was characterized by small scale banks with high overheads; low capital base averaging less than $10 million; heavy reliance on the government patronage and loss making. Nigeria‘s banking sector was still characterized by a high degree of fragmentation and low level of financial intermediation up to 2004.

This research work is motivated by the need to look into the Central bank (CBN)’s recent reform (consolidation) that employed certain measures to strengthen the Nigeria banking system by drastically increasing the minimum capital requirement from N2 million to N25 billion ($190 million-US). Through review of relevant literatures, analysis of policy documents, official report and economic information on the banking sector, it became evident that the consolidation of banks led to a remarkable reduction in the number of banks from 89 to 25 by merge, acquisition, initial public offer and other means. The research work concludes that bank consolidation has resulted in making banks more efficient and reliable and also, their intermediary potentials have also been revised.

1.2 STATEMENT OF PROBLEM

Business organizations are recently seeing consolidation (merge and acquisition) as an alternative means of re-capitalizing. The latest reform that compelled all commercial banks to raise their capital base from N2 million to N25 billion on or before 31st December 2005 sent some of the banks on their heels-considering consolidation(merge and acquisition).

The expected problems regarding consolidation are:

-there exists a high degree of calculated risk-taking to tap opportunities that come the way of business, but there is risk avoidance in Nigeria business and where risk is low, development is also low and industrial advance merit becomes nearly static.

Consolidation could also be a very expensive venture in terms of fund required to prosecute it successfully.

Corrupt practices at public and private sector level are another impediment. This needs to be discouraged and incidence of corrupt practices should be severely punished because consolidation deal requires confidence and trust to promote consummation.

1.3 OBJECTIVE OF STUDY

Bank consolidation will go a long way in enhancing economic growth in Nigeria and also in the banking and financial sector of the nation.

Hence, the fundamental objectives of this study are:

- To assess the implication of consolidation on the banking industry

- To examine the impact of consolidation on Nigeria banks

- To assess the state of Nigeria banks before consolidation

- To identify the benefits of bank consolidation

- To identify the effect of bank consolidation on Nigeria economy at large.

1.4 RESEARCH QUESTIONS

- How do you view the quality of the banking industry before consolidation?

- Do you think the industry actually needs a reformation or reform such as consolidation?

- How do you view the increase of capital base in the banking industry?

- Has the state of the banks improved after consolidation?

- Are the Nigeria banks strong and trusted enough to invest in?

- Do you think the Nigeria bank is well able to make an impact in the global banking sector?

- In your own view, do you think that bank consolidation has affected the nation’s economy positively or negatively?

- How will you rate the impact of consolidation of banks on the manufacturing sector of the Nigeria economy?

- Did bank consolidation programme make way for more job opportunities in Nigeria?

- Is the saving attitude of the citizens of Nigeria affected by bank consolidation positively?

1.5 HYPOTHESIS

Looking at the main purpose of this research, it will be reasonable to propose that:

i) Ho: The state of the Nigeria bank has not improve after consolidation

Hi: The state of the Nigeria bank has improved after consolidation

ii) Ho: The Nigeria bank is not strong and trusted enough to invest in

Hi: The Nigeria bank is strong and trusted enough to invest in

1.6 SCOPE OF STUDY

This research work is designed to cover the following areas:

- The evolution of banking in Nigeria

- The state / position of the banking industry before consolidation

- The objective of consolidation in the banking industry

- Impact of consolidation on the banking industry

- Effect of bank consolidation on the economy of the nation at large.

1.7 SIGNIFICANCE OF STUDY

The significance of this study is to add to the general body of knowledge, enlighten the general public on the following:

- The effect of bank consolidation on the economy of Nigeria.

- The impact of consolidation on the performance of banks in Nigeria.

- To bring to light the state of Nigeria banks financially and to encourage the masses to drop their fears and pick up the habit of savings again.

- To show to investors that the state of the banks has undergone a lot of changes through consolidation and hence, a sure ground for good investment.

1.8 LIMITATION OF STUDY

This research work is basically on the effect of bank consolidation on the economy of Nigeria and also, the impact of consolidation on the Nigeria banks.

It will concentrate and will not go beyond the consolidation programme and its effects beyond 2004 and 2008.

1.9 DEFINITION OF TERMS

Bank:-can be defined as a place of business that receives, lends, issues, exchanges and takes care of money, extend credit and provide ways of sending money and credit quickly from place to place.

Consolidation:-It is the reduction in the number of banks and other deposit taking institution with a simultaneous increase in the size and concentration of the consolidation entities in the sector (Bis, 2001:2).

Economy:-can be defined as the structure of economic life of a country, area or system.

CHAPTER TWO

LITERATURE REVIEW

2.1 INTRODUCTION

Reforms are predicted upon the need for re-orientation and re-positioning of an existing status quo in order to attain an effective and efficient state. There could be fundamental bottle neck that might inhibit the functioning of the institution for growth and the achievement of core objectives in the drive towards enhancing and sustaining economic and social imperatives of human endeavors carried out through either government institution or private enterprise. Hence, reforms become inevitable in the light of global dynamic exigency and emerging landscape.

Consequently, the banking sector as an important sector in the financial landscape needs to be reformed in order to enhance its competitiveness and capacity to play a fundamental role in economic development and in financial investment.

Bank consolidation was seen as one of the ways to reform the banking sector. Bank consolidation is said to be the process of increasing the sizes of bank that could cause potential increase in bank returns through revenue and cost efficiency gains.

According to Sloam and Arlond (1970),”Consolidation is a fuse of the assets and liabilities in whole or in parts of two or more business establishments and the coming together of firms. It can also mean large sizes, large shareholder base and large number of depositors.

According to Adamu (2005), bank and cooperate consolidation could be achieved by way of merges / acquisition and re-capitalization. Many literatures indicated that bank consolidation can deepen the financial sector and reposition it for growth to become integrated into the global financial architecture; and involve a banking sector that is consulting with regional integration requirements and international best practice.

2.2 CONCEPT OF BANK CONSOLIDATION

Bank consolidation is viewed as the reduction in the numbers of banks and other deposit taking institutions with a simultaneous increase in the size and concentration of the consolidation entities. It is most motivated by technology innovation, deregulation of financing services, enhancing intermediation and increase emphasis on shareholders value, privatization and international competition (Berger et al, 1991; De Nicole et al…2003; IMT-:2001)

The process of consolidation has been argued to enhance bank efficiency through cost reduction revenue in the long run. It also reduces industry’s risk by elimination of weak banks and acquiring of the smaller ones by the bigger and stronger bankers as well as creates opportunities for greater diversification and financial intermediation.

The pattern of banking system consolidation could be viewed in two different perspectives namely: market driven and government led consolidation. The market driven consolidation which is more pronounced in the developed countries sees consolidation as a way of broadening competitiveness with added corporate advantage in the global context and eliminating excess capacity more efficiently than bankruptcy or other means of exit.

On the other hand, government-led consolidation stems from the need to resolve problems of financial distress in order to avoid systematic crisis as well as to restrict inefficient banks (Ajayi, 2005:2). One of the general effects of consolidation of banks is to reduce the number of banks, especially weak ones and moving the industry forward for sectorial and national development.

2.3 EVOLUTION OF BANKING IN NIGERIA

The banking operation began in Nigeria in 1892 under the control of the expatriates and by 1945, some Nigerians and Africans had established their own banks. The first era of consolidation ever recorded in the Nigeria banking industry was between 1959 and 1969. This was occasioned by bank failures during 1953-1959; this was due to liquidity of banks. Banks then do not have enough liquid assets to meet customers’ demands. There was no well-organized financial system with enough financial instruments to invest in. Hence, banks merely invested in real assets which could not be easily realized to cash without loss of value in times of need. This prompted the federal government then backed by the World Bank’s report to institute Loynes commission on September 1958. The outcome was the promulgation of the ordinance of 1958, which established the Central bank of Nigeria (CBN). The year 1959 was remarkable in the Nigeria banking history not only because of the establishment of Central Bank of Nigeria (CBN) but that the Treasury bill ordinance was enacted which led to the issuance of our first Treasury bill in April 1960.

The period (1959-1969) marked the establishment of formal money, capital market and portfolio management in Nigeria. In addition, the company acts of 1968 were established. This period could be said to be the genesis of serious banking in Nigeria. With CBN in operation, the minimum paid-up capital was set at four hundred thousand naira (N400, 000) (USD $480,000) in 1958. By Januel 2001, banking sector was fully de-regulated with the adoption of universal banking system in Nigeria which merged merchant bank operation to commercial banks system preparatory towards consolidation programme in 2004.

In the 90’s, proliferation of banks which also resulted in the failure of many of them led to another re-capitalization exercise that saw bank’s capital being increased to five hundred million (N500,000,000)(USD $5.88million) and subsequently two billion(N2,000,000,000)(USD $0.01billion) on 4th July 2004 with the institution of a 13 point reform agenda aimed at addressing the fragile nature of the banking system, stop the boom and burst cycle that characterized the sector and evolve a banking system that not only could serve the Nigeria economy, but also the regional economy. The agenda by the monetary authorities is also an agenda to consolidate the Nigeria banks and make them capable of playing in International financial system. However, there appears to be deliverance between the state of the banking industry in Nigeria vis-à-vis the vision of the government and regulatory authorities for the industry.

This, in the main, was the reason for the policy of mandatory consolidation which was not open to dialogue and its components also seemed cast in concrete.

In terms of number of banks and minimum paid-up capital between 1952 and 1978, the banking sector recorded forty-five (45) banks with varying minimum paid-up capital for merchant and commercial banks. The number of banks increased to fifty-four (54) between 1979 and 1987. The number of banks rose to one hundred and twelve (112) between 1988 and 1996 with substantial varying increase in the minimum capital. The number of banks dropped to one hundred and ten (110) with another increase in minimum paid-up capital and finally dropped to twenty-five (25) in 2006 with a big increase in minimum paid-up capital from N2 billion (USD $0.0166 billion) in January 2004 to N25 billion (USD $0.2 billion) in July 2004 (see Table I).

Table I

Minimum Capital Requirement and Number of Banks in Nigeria between 1952 and 2006

Year Minimum Capital Req. Minimum Cap. in US $ Cum.No of Banks 1952 –78 £200,000 – foreign 235295

£25,000 – Nigerian 29412

£400,000 – foreign 470588 45

£25,000 – Nigerian 29412

N1,500,000 – foreign 1764706

N 600,000 – Nigerian 705885

1979 - 87 N1,500.000 – foreign 1,500,000

N600,000 – Nigerian 600,000 54

N2,000,000 – Merchant 2,000,000

1988 -Feb N5million- Comm. Bank 250,000 66

N3million-Merchant bank 150,000

1988 - Oct N10million- Comm. bank 500,000

N6million-Merchant bank 300,000 66


1989 - 90 N20million- Comm. bank 235,294

N12million-Merchant bank 141176 107

1991 – 96 N50million- Comm. bank 586,235

N40million-Merchant bank 470588 112

1996-2002 N500million-Merchant bank 5.88million 110

2003 – 2004 N2billion- Universal banking 0.0166billion 89

2004 – July N25billion-Universalbanking 0.2billion 25

0.2 billion

£ - British Pound Sterling; $ - US Dollar rate at period increase; N – Nigeria Currency

Source: Central Bank of Nigeria – various financial publications (1970 – 2006) and financial market.

Prior to the major policy shift by the Central Bank of Nigeria (CBN), Nigeria banking experienced a steady increase in the number of distress deposit-money banks i.e. those referred by the CBN as marginal or unsound. This created the fear that Nigeria banking could be heading towards systematic distress, hence, the need for a reform which resulted to consolidation.

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    • fundguru profile image

      fundguru 6 years ago from Germany

      Great Hub, but I would like to suggest that put the lists of banks into a table. When you write a report you can add a capsule for that.

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      Arinze Hope 6 years ago from Enugu-Nigeria

      Thanks,I actually did but after loading and publishing,I discovered that the table is out.I appreciate your comment

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      Nwamina Olusegun Emmanuel 6 years ago

      Whao this is awesome. pls can i plead you for chapter 3, 4 and 5 will be needing it for my project. would appreciate if it's being granted. Nice report. (fred_ambrose2000@yahoo.com)

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      steve o 6 years ago

      A. Good job well done. Pls can I get the full research project. My e-mail. Is yemsfemsy@yahoo.com. Thanking you in advance for your anticipated co-operation

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      Folakemi 6 years ago

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      BEBEJI U,A, 6 years ago

      chapters three to five are missing,update,especially chapter 3 and 4

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      Akinwande Marian 6 years ago

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      Arinze Hope 6 years ago from Enugu-Nigeria

      thanks to you all for appreciating this work,you are a source of encouragement to me

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      ADEBOYE 6 years ago

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      saira 6 years ago

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      Janet ismaila 6 years ago

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      Kenneth Daniel 6 years ago

      impact of fiscal on the real sector of the Nigerian industrial economy from1980-2005, A case study of industrial sector

      my mail address is kemaxworld@gmail.com

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      Toregun joel 6 years ago

      Gud day sir,i went thru ur work and they are perfect.please sir,can ur make a research on dis topic;The impact of merger and acquisition on firm corporate performace in Nigeria.thanks and i will most greatfu.

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      McRealone 6 years ago

      i love the article, keep it up.

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      Arinze Hope 6 years ago

      @McRealone thanks for the complement,It's a big encouragement to me

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      Arinze Hope 6 years ago from Enugu-Nigeria

      @Toregun Joel Call my mobile/email me lets talk about it.my mobile +2348065436790

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      Charles 6 years ago

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      Arinze Hope 6 years ago from Enugu-Nigeria

      @Charles My mobile number is always open +2348065436791. u can call this

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      oluwasola toyin  5 years ago

      this outline relate to my project topic ,but pls sir/ma,i need this topic which says: impact of public relations in marketing of financial services in spring banks plc. pls, if there is any help send to my email address : solat4good2007@yahoo.com.

      thanks

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      al mahmud 5 years ago

      wow, dis is great. am intresting in d full research for further reading. dis is my email salfmud@yahoo.com, i will be glad if you can kindly send it to my mail.

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      Palmer N. Birimote 5 years ago

      Sir your work is extremely great reat! Nigeria ll appreciate. Sir pls I need chapts 3,4&5 to enable me conclude my project study thanks.

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      Palmer N. Birimote 5 years ago

      Sir your work is extremely great reat! Nigeria ll appreciate. Sir pls I need chapts 3,4&5 to enable me conclude my project study thanks.

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      Nwani chioma 5 years ago

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      Ogazie justine 5 years ago

      Plz i wil like to know the refrences for impact of bank consolidation please for the prepearation of my project. These r my number 07037662720 or reach me through email(orgaziejustine@yahoo.com)

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      Oluchi 5 years ago

      I love this,pls can i get the full chapters my email is oluchinwafor20@yahoo.com

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      mr.Chukwuma .A Emeka 5 years ago

      Sir. This is a well done job.I love this, is very enducative.If I should score it I will score u 100 percent. Sir I equally do some thing like this title THE EFFECT OF ECONOMIC GLOBAL MELTDOWN IN NIGERIA. Case study (NIGERIA CAPITAL MARKET).But I don't no how I will publicise it on internet like the way u did yours. Pls I need your help. I am a student of Accountancy in Unizik Awka in Anambra state. My phone no is 08062542047.e_mail emeko 2007@yahoo.com. Thanks.

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      Nkalenu, Anselm N. 5 years ago

      I appreciate your work. It is indeed resourceful. However, I plead with you to send copy of the work to me through my e-mail (salem_nk@yahoo.com)t0 help me in my research work. Accept my regards.

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      bakare kuburat 5 years ago

      this is really nice its a good work will like to av the remanining chapters on kubycosy4ever@yahoo.com

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      ade 5 years ago

      pls can have dis remaining chapters on jnancypopylikky@yahoo.com

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      ade 5 years ago

      pls can have dis remaining chapters on jnancypopylikky@yahoo.com

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      D-RANT217 5 years ago

      I realy apreciate your effort, pls kindly send the remaining materials to me(bank consolidation). my email address is LOTOJACOB@YAHOO.COM.

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      Stephanie 5 years ago

      Nice work. Can u pls send d full research work to my email address. Plentiousjoy@gmail.com. Thanks

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      ebony 5 years ago

      I APPRECIATE UR RESEARCH WORK. IT IS OF GREAT VALUE.... BUT I WISH TO HAVE THE RESEARCH METHODOLOGY VIA ebony4slimmy @yahoo.com

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      anonymous 5 years ago

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      ISAAC 5 years ago

      Pls it will be my Joy if u can send me the rest of the research work, chapter 3 - 5, and I also have one project like dis to publish, pls i need ur help to do so thanks. Hiesaac4u4me@yahoo.com, 08038699457.

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      anonymous 5 years ago

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      anonymous 5 years ago

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      ALIYU AMINAT 5 years ago

      A GOOD WELL DONE SIR,PLEASE CAN I PLEAD FOR THE REST OF THE PROJECT WHICH I WILL BE APPRECIATE IF IT BEING GRANTED SIR,THANK YOU.AMLOLADE@ROCKETMAIL.COM,07032054741

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      ALIYU AMINAT 5 years ago

      A GOOD WELL DONE SIR,PLEASE CAN I PLEAD FOR THE REST OF THE PROJECT WHICH I WILL BE APPRECIATE IF IT BEING GRANTED SIR,THANK YOU.AMLOLADE@ROCKETMAIL.COM,07032054741

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      anonymous 5 years ago

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      olanrewaju 5 years ago

      This is a great work. Please Sir, can you help me to forward the complete project work to my email address for a proper guide in my project ; sammy_larrynator@yahoo.com. I shall be greatful if my request is granted. Thanks.

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      Chidozie felix 5 years ago

      Sir,Your work is indeed quit recommendable and i wish to urge u to keep up the good work. Pls sir i am a student of imo state polytechnic,and am truly intrestd in having this topic mail to me to enable me finish a reserch work am doing relating the topic you have writing. Email: dozieville2000@yahoo.com thanks.

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      Gbenga Olajide 5 years ago

      You have done excellently in this research work. i would appreciate it if you can please send a full write up into my mail gfolajide@yahoo.com.

      Well done sir and more grace to your elbow.

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      Yaqadee 5 years ago

      Its a niz one keep it up

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      momodu rose 5 years ago

      pls, i need chapter 3,4 nd 5 of dis project.kindly send it 2 my email adress:rose4rafatu@hotmail.com

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      EBERE CHINWE G 5 years ago

      This is a very lovely and wonderful research work indeede. But no references

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      Joakin 5 years ago

      Sir, gud day, i strongly beliv that this is the bomb,they say education is the key to success,i can see my self comin close to success,sir, plz do me a favour by downloadin or sendin the full work to my mail, bcos its gona guide me wel when i wil write my project, this is my mail addres. Jocken2011@yahoo.com,GOD BLES U REAL GOOD. My name is joakin ibifaka, portharcourt nigeria

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      Emmykaykay 5 years ago

      Arinze,well done.pls the article is of soludo's reform what about sanusi's new reform?

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      olateju musbaudeen 5 years ago

      pls kindly send chapter 3,4 and questionaire to my facebook inbox adress thank.

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      themithope4u@yahoo.com 5 years ago

      pls do you have the banks' capital adequacy ratio figures for 2005-2009 accounting periods, all the banks. thanks i will appreciate it grately

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      ademuyiwa olusegun samson 5 years ago

      thanks so much for your research but i will be very grateful if you can send the remaining chapter to me through my email address on thunderous4real4ever2004@yahoo.co.uk.

      God will increase your brain and you will never go down in jesus name,amen

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      chioma 5 years ago

      i appreciate your God s given talent. pls kindly send the chapter 3 to 5 and the references to my email address. beaniceangel001@yahoo.com

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      jayson0304 5 years ago

      well done.Please Sir, can you help me to forward the complete project work to my email address for a proper guide in my project jayson0304@yahoo.com.Accept my regards.pls...^^

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      Yomi 5 years ago

      A Good job well done. Pls can I get the full research project. My e-mail. Is oluyommex@yahoo.com Thanking you in advance for your anticipated co-operation

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      Ezeh Rose 5 years ago

      pls, i need chapter 3, 4, and 5 of this work on the topic; the effect of consolidation. you can send it thru my email;rosesworldng58@yahoo.com or you contact me on 08135159680. tank u in advance.

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      Ajayi oluwatobi 5 years ago

      I realy appreciate dat work/project. I will be happy if i can get the chapter 3, 4 & 5. My e-mail tobakema4real@yahoo.com. & i will patronise u.

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      Bisola 5 years ago

      I really appreciate your research work,please kindly send chapter four of this research to my email address bisolafor86@yahoo.com,thanks very much

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      Daniel 5 years ago

      Please send me chapter four of this project to my mail gbadebodaniel@yahoo.com.thanks

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      Sola 5 years ago

      Please help me send chapter four of this research work to my number 07064203827

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      5 years ago

      where is your references?

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      adebukola 5 years ago

      i blvd dat u av really done a great job here and i know dat almighty God wil always guiding u 2tru 2 b able 2 do more dan dis.im a final year student of fed.poly ede,osun state.i wil be grateful if u can help me in d RESEARCH METHODOLOGY,DATA ANALYSIS,CHAPT 3 TO 5 AND UR REFERENCE 2 MY EMAIL BOX,hardebukorlar@yahoo.com.07032258394.may God b with u

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      Otiocha Amara 5 years ago

      I appricate your work Sir, you did unexpected work,I pray that will continue to strengthing in all your work. I plead you sir, if you can help me with Banks and their capital Base from 2006-2011. Am a Final year student of UNN. Pls send it through my Emil, Otiwhite9200@yahoo.com. THANKS and God Bless.

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      kela 5 years ago

      nice work,pls can u send the remaining chapters to esquare_daniel@yahoo.com

      will rily love it tnks

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      ezekiel 5 years ago

      this is my e-mail ( abnalegacy@yahoo.com).

      pls i need the significant of the impact of improper recording in the banking sector of nigeria economy, pls can i get it now

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      Solomon Eddy Solomon 5 years ago

      I appreciate the project topic. I'm about to write my project hear in Akwa Ibom state polytechnic. Pls i'll u people to it from chapter 1 to 5 to my e-mail address. jasperino@rocketmail.com. Thanks and God bless

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      yemaren oladipupo 5 years ago

      good job GOD bless you. pls can you send me chapter 3,4 and 5 to my e mail oluolapedepo@yahoo.com

    • profile image

      Adebayo Ridwan 5 years ago

      This is a great work,i apreciate ur remarkable research,cos it refresh my memory n i wish 2 ve full details of dis work.May GOD increase ur knowledge as u do. My e mail ;ridor010@yahoo.com

    • profile image

      Abbey 5 years ago

      God bless your good works. please can you send Chapters 3 to 5 and the references to my my email address. omowunmi2307@gmail.com It's very urgent.

      thanks.

    • profile image

      arekameh blessing 5 years ago

      i love this work,kindly send the remind material to me.i need it to complete my project.my email address is barekameh@yahoo.com

    • profile image

      FRED L N 5 years ago

      It's thing of joy for a job welldone,Nice job.With due respect, i wish to apply for this material for my project presentation.here is my mail.naagbofred@yahoo.com

    • profile image

      Samuel maikomo jatau 5 years ago

      I really appreciate the effort of the author, but please send me the chapter three through my email box :Skillsman92@yahoo.com. thank u and GOD bless you

    • profile image

      Martha uwade 5 years ago

      Wow,dis is so inspiring,u r a blessing n a gift to this world,i rly need dis 2 work with on my project n its pretty important i get d full chapters in my box,its fynmart@yahoo.com,thanks n God bless.

    • profile image

      Emem Edem 5 years ago

      pls can u send the remaining chapters to my email address.Presently i am writing on this project topic.i really appreciate ur good work,honestly i saw ur work as a source inspiration to the successful completion of my project.I must confess u are a rare gem to this generation.My email:emem.edem@yahoo.com

    • profile image

      ashimi sulaimon 5 years ago

      gudafternun sir!pls can you send the remaining chapters to my email address cos am making a research on the above topics as am a banking and finance student and i must commend you for a very well done job........my email address:acashcoolguy@yahoo.com or slyashabby@gmail.com

      hope to hear from you soon

    • profile image

      Mary 5 years ago

      thanks. this sure helped me a lot in my school project.

    • profile image

      Dan john 5 years ago

      Am rili rili rili hapi to get dis project, bros thumbs up n more grez to ur elbow

    • profile image

      victor 5 years ago

      nice work sir. Plz chapter 3-5 will be a great help to me. Tanks. Vinciminaj@yahoo.com

    • profile image

      kumije jobson 5 years ago

      please send me the role of merchant bank in the nigeria economy

    • profile image

      John atie 5 years ago

      i really appreciate ur work sir u did so well

    • profile image

      John atie 5 years ago

      i really appreciate ur work sir, u did so well

    • profile image

      ohuegbe chikere 5 years ago

      job well don i appriate ur work keep it up sir, from imo state polytechnic

    • profile image

      Aina Michael 5 years ago

      this is fantastic and excellent, i would like to work with u on research to become co-author and publisher. thanks man 08038416392.

    • profile image

      dan mati musa 5 years ago

      Pls I need the remaining chapter

    • profile image

      Ahmed Onyinoyi 5 years ago

      Ur work is extremely gud nd fantabulousg,pls can u help me with the chapters not include now pls...

    • profile image

      Ahmed Onyinoyi 5 years ago

      Ur work is fantabulous nd great,pls can u post or send me the chapters not included,pls...My email is ahmedmuniratoyiza@yahoo.com

    • profile image

      Raji Opeyemi 5 years ago

      Pl's i need your help for my project sir. I was unable to get materials on it. The topic is 'Assessment of Recent Development in Banking Business in Nigeria.' dis is my no 08063181694

    • profile image

      Adetunji Olabode 5 years ago

      D wisdom of God wil neva run dry in ur life in jesus name.pls sir,i wil lik u 2 send d remaining chapters as dis wil serve as a guide 2 my project.to my email:bhoderian@yahoo.com thanks and God bless u

    • profile image

      Adetunji olabode 5 years ago

      D wisdom of God wil neva run dry in ur life in jesus name 4 a job wel done.pls sir i wil lik u 2 send d remaining chapters as dis wil serve as a guide in my project to my email:bhoderian@yahoo.com thanks.

    • profile image

      Israel Efegor 5 years ago

      You have done a great work that is marvelous, i think i need all charpters from the abstract and including references. This is my email israel4succes@yahoo.com pls help me.

      Best regard

    • profile image

      Onwumah Cynthia 5 years ago

      I neva knew we still have intelligent Geniuses like you...Ur work so 1daful,brillantly computed,nd i must confess u've helpd me a gr8 deal in my own project..10ks a heap..kudus 2 U!

    • profile image

      Ajibola 5 years ago

      Great job man pls do u hv anytin on dis topic THE ROLE OF CAPITAL MARKET IN ECONOMIC GROWTH OF NIGERIA.pls if u hv,sir inbox me at phemmietoby@ymail.com cos i nid it 4 my project..frm fed poly ilaro.

    • profile image

      Henry Onos 5 years ago

      I so much appreciate ur work done sir. May God bless u'. Sir, can i have the recommendation,conclusion & the references of this ur work?pls, send them to my email:. Rahzel_2011@yahoo.com.it is my seminar topic. Thank u

    • profile image

      AINA OLADELE EMMANUEL 5 years ago

      I am also a research analyst. This is a good job. Its quite impressive. Please, send the complete project to me on delemania05@yahoo.com. THANKS

    • profile image

      Lizzy abba 5 years ago

      This research work is perfect i luv it can i make use of it 4 my project? If yes pls tell me the condition involve tanks in anticipaz.

    • profile image

      Anyanwu okey 5 years ago

      Arinze, i'm thrilled by ur masterpiece. The word excellent is even an understatement. Am equally a research fellow,having written several thesis for first and second degrees .I hold an Msc. Maybe we can collaborate. U can reach me on 08035920927,08053131642,anyanwuokey@yahoo.co.uk. Keep up d good work.Thanks

    • profile image

      olatunji segun 5 years ago

      you have done a good job.pls.kindly send chapter 3 to 5. To my email:olatunjisegun68@yahoo.com

    • profile image

      Abdul olayinka tasued 5 years ago

      You are indeed a worthwhile resources this publication help me in updating my project thanks its a job well done

    • profile image

      doublejoy 5 years ago

      Excellent job! Let me know how you end it pls. You can send to mydoublejoy@yahoo.com

    • profile image

      shem 5 years ago

      gud job but is the case study

    • profile image

      Udyetuk 4 years ago

      Gosh! Am short of words to dscribe hw wndaful n helpful ds book is to me. Pls can u send the last chapters,3-5,to ma email udyetuk_didi@yahoo.com. Thanks so much. This is great.

    • profile image

      Pada Zadunya 4 years ago

      Good work. May I have the remaining materials send to my email box?

      padazadunya@yahoo.com

      I will appreciate your kind effort.

    • profile image

      shem 4 years ago

      i will need u to send it to me its urgent shem4luv2020@yahoo.com

    • profile image

      Adinde ujunwa 4 years ago

      You realy did a good work here, and I need to make use of it for my project. Pls kinldy send the whole chapters to my mail: Nuelau@ovi.com

    • profile image

      Adinde ujunwa 4 years ago

      You realy did a good work here, and I need to make use of it for my project. Pls kinldy send the whole chapters to my mail: Nuelau@ovi.com

    • profile image

      Ekwu chuks k. 4 years ago

      U did a every nice job, thanks for ur research but from what i saw on net, ur work stops at chapter 2 ie review of related literature. The chapter 3 ie methodology, chapter 4 data presentation and analysis, the statistical tool used to text your hypothesis and your chapter 5 conclusion are missing. Ones more weldone for nice work done. My contact no 08037775539 or emil ekwueku4real@yahoo,com

    • profile image

      Tolulope Ogunmade 4 years ago

      Nice work....keep it up. I need the chapter 3-5 for my project......pls can you kindly send the chapters to me via Tolulopeogunmade@rocketmail.com.......may almighty God bless you as you do so

    • profile image

      Kingsley Akpan 4 years ago

      Mr. Arinze Hope truly speaking the work is well arrange,well package, and well presented. Thumb up to you bro. I give my salute because the work is such that, will spur our fellow Nigerian youth to do something similar of this nature. I'll appreciate if you will be able to send me the remaining chapters of the work(i.e., chapter 3,4,5) to my mail box: kings_akpan01@yahoo.com. I want to use it as a reference for my project work.

      Keep the good work bro.

    • profile image

      Abdourahman 4 years ago

      i really like you project sir, am working on one right now i went really you help and ideas to work it out this is my email (rahubah17@yahoo.com)your help will be highly solicited

    • profile image

      Bode adetunji 4 years ago

      Pls hw did u source for d data

    • profile image

      Abdulrazak 4 years ago

      To be candid, i dnt even were 2 start grading the whole Project, bcux u really done a great job. 100% 4 d work done bt pls if u can kindly send d whole Project 2 my Email i wil b grateful...Abdulrazak2099@yahoo.com or any means of contacting u pls...

    • profile image

      Onugha chioma 4 years ago

      I really appreciate ur work

    • profile image

      Emmanuel Atser 4 years ago

      Sir, I heartily appreciate this and I beg u in the name of any God u worship to kindly send thro my Email. my email is: emmyatser2008@yahoo.com

    • profile image

      Yakubu Abdullahi Badamasi from nsuk(08033075251) 4 years ago

      JOB WELDON! ACTUALLY I DON‘T KNOW HOW TO AKNOWLED AND APPRECIATE YOUR EFFORT TOWARDS THE PRODUCTION OF THIS RESEARCH WORK BECOUSE IT CAN NEVER BE MEASURE OR QUANTIFY AND I DO HOPE YOU WILL CONTINUE IN THIS SPIRIT.BUT PLEASE DON‘T SEND THIS RESEARCH WORK TO ANY BODY LED EVERY BODY MAKE HIS OWN PLEASE.

    • profile image

      Bada Oluwabukonla 4 years ago

      Infact dis is awesome, u av really done a great job. I was looking 4 mergers and acquisition of banks in nigeria: implication on economy, when i find ur topic can u pls send 3 4 & 5 2 me or find materials 4 me on my topic. My no is 07051039309.

    • profile image

      Nwakanma favour 4 years ago

      Sir i realy apreciate ur effort but actually dis is not my project topic. Mine is The improvement of customer services in Nigerian banking (case study of Diamond bank plc). Plz sir i will be grateful if u can help me wit material on dis topic. My mobile no: 07068903293. Thanks.

    • profile image

      eluyode segun 4 years ago

      I loves chapter two so much,pleas can you send it into my email.my email is eluyodesegun@yahoo.com

    • profile image

      Abraham Frank Elijah 4 years ago

      Wat a great job! Keep it up coz sky is even ur starting point. Tanx a lot. I dnt knw if u cud plz send me chapter 3, 4 and 5. God bless u.

    • profile image

      Gadi Davou . 4 years ago

      Actually it a very good job i realy appreciate ur effort keep it up and pls send me reference.

    • profile image

      Momoh Gabriel E. 4 years ago

      Wat a great job! Keep it up bcos d sky is ur limit. Pls sir can u help me in dis topic "Financial regulation and central banking in nigeria( a case study of central bank of nigeria) throu my email_ momohgabriel93@yahoo.com. Pls sir

    • profile image

      Tubosun Samuel 4 years ago

      Pls i am currently writing on relevant topic been a write-up in research study in my school and i am confused as to whether primary or secondary data will be used in the process of data collection. Pls i really need your help in this regard. (samtbanky2006@yahoo.com)

    • profile image

      SANNI O PHILOMINA 4 years ago

      GOOD JOB KEEP IT UP. U GUYS MADE MY WORK EASY

    • profile image

      bukola olajide 4 years ago

      pls sir help me send d remine one chap 3,4,5

    • profile image

      IYANDA ABIMBOLA 4 years ago

      A WELLDONE JOB,GOOD WRITEUP,KEEP IT UP SIR

    • profile image

      Muhammad 4 years ago

      Good job ple send me the remining one for me.Thank mukhtarm62@yahoo.Com

    • profile image

      Oladele Esther 4 years ago

      Pls sir. Help me send this topic material on my Email box. Oladeleesther@rocketmail.com. The topic is ratio analysis as an imporantant tool for evaluating bank's performance in Nigeria commercial banks. Thank U sir/ma God bless u. And as U are helping me God will perfect every good things consigning you and your family. Thanks.

    • profile image

      Jibola babafemi 4 years ago

      This is an excellent work,keep it up. pls i need chapter 3,4 and 5,kindly send them to bobsonbeejay@yahoo.com. many thanks.

    • profile image

      Jibola babafemi 4 years ago

      This is an excellent work,keep it up. pls i need chapter 3,4 and 5,kindly send them to bobsonbeejay@yahoo.com. many thanks.

    • profile image

      Enene wills 4 years ago

      U'v done a great work, pls keep it up. Shws dat u r vry intelligent. May God replanish ur strght. Also thks 4 publishing it has realy be of help

    • profile image

      Omole temitope 4 years ago

      More grace to you for job wel don,am workin on a related topic also.God bless

    • profile image

      Fatima mohammed 4 years ago

      Sir pls i need material on this topic mergers and acquisition in corporate reco prganisation

    • profile image

      ADEBOWALE EMMANUEL 4 years ago

      I really appreciate your effort for putting all these together, may God continue to increase you in Jesus Name . Pls I need more topics . Thanks

    • profile image

      Christopher ekwana 4 years ago

      Gud day sir.sir i appreciate ur wrk sir pspls can u forward me charpter 3 4 and 5ptanks dis is my nmber 08133380743 or margaretekwana@yahoo.com bt my phone nmber will b more easier sir tnks a lot and may d good lord bless u

    • profile image

      Christopher ekwana 4 years ago

      Gud day sir.sir i appreciate ur wrk sir pspls can u forward me charpter 3 4 and 5ptanks dis is my nmber 08133380743 or margaretekwana@yahoo.com bt my phone nmber will b more easier sir tnks a lot and may d good lord bless u

    • profile image

      Chi okafor 4 years ago

      I really appreciate your work sir, i will luv it more if u send me the remaining copy of it, because we are writing exactly the same project. Thanks e-mail is maurreenmiles@yahoo.com

    • profile image

      kambili iwobi 4 years ago

      sir please can i get the remaining chapters to complete my project.kambili@live.co.uk dats my email address.thanks

    • profile image

      oladunmoye 4 years ago

      Good job brother. I am also working on a related project. can you send chapter 3 ( research methodology) and chapter 4 to my mail please. sanjoakeem2006@yahoo.com. I will be grateful if my request is granted thanks

    • profile image

      MRS MARIAM SULE ABDULLAHI 4 years ago

      I really appreciate u work sir. Please can u send me the remaining chapters to complete my work on dis email address marian_kpeku@yahoo.com.

      Please i await ur urgent response.

      Thanks

    • profile image

      george 4 years ago

      Plz I need chapter 3,4 and 5 of this project kindly send it to my mail please email-choppachizzle@yahoo.com

    • profile image

      Chioma Offor 4 years ago

      i just gone through ur work anf found it very interesting. Pls can u kindly fw the remaing chapters to my mail box chioma.ikenna-okeke@entbank.com

    • profile image

      harriet 4 years ago

      well-done u ve really done a great job here.

    • profile image

      anthony 4 years ago

      Well done u have touch my mind and is just exactly what i needed. Pls can u kindly send the remaining chapters to my mail box. i will kindly appreciate. anthonyagba@rocketmail.com

    • profile image

      LIZZY 4 years ago

      0

    • profile image

      adekoye .a. albert 4 years ago

      Nice one,kindly send the effect of bank consolidation on Nigeria economy to my mail box abayomi.adekoye@fidelitybankplc.com

      Awaiting to hear from you sir.

    • profile image

      omojire 4 years ago

      i will be very grateful if the chapter 3,4 and 5 of this research work can be mail to me,my email address is (fakwalex@yahoo.com).i need it urgently is exactly the topics that i was given to conduct a research work on.thanks and God bless

    • profile image

      CYNTHIA 4 years ago

      weldone sir, ma pls help me send chapters 3,4,5 to my mail box godstimecynthia@yahoo.com

    • profile image

      Niranjan SK 4 years ago

      Great article.. Can you please mail me the rest of the chapters too (niranjan.sk@gmail.com)

    • profile image

      SEUN 4 years ago

      PLS HELP ME SEND THE CHAPTER THREE AND FOUR TOM DIS E MIAL..gaffybobo@yahoo.com

    • Arinze Hope profile image
      Author

      Arinze Hope 4 years ago from Enugu-Nigeria

      call me...08065436791,let's talk before sending

    • profile image

      GAGA DERICKSON 4 years ago

      PLEASE I WOULD LOVE TO GET THE REMAINING CHAPTERS,GOD BLESS.

    • profile image

      emmanuel 4 years ago

      ok, need more chapers

    • profile image

      daisy 4 years ago

      this is great piece of work Arinze .this is Daisy From Kenya East Africa

    • profile image

      laustyday 4 years ago

      When i utilized to receive on top of life but lately We have built up a resistance.

    • profile image

      josie lauren 3 years ago

      your doing a great work more grace to your ebow. Please send chapter 3,4 and 5 to me through jossy60@yahoo.com. Thanks

    • profile image

      MIEBAKA IBIBIA 3 years ago

      PLEASE EMAIL ME ON, miebakaibibia2@yahoo.com

    • profile image

      omobola28 3 years ago

      pls...i would like to have full details of this particular topic for my sister project.....send mail to alajobaba@gmail.com

    • profile image

      MATTHEW NICHOLAS 3 years ago

      pls...i would like to have full details of this particular topic

      this is my e-mail - slimnick@ymail.com

    • profile image

      dankarag9 3 years ago

      Providing Loans and Advice for Business Franchise lending, Factoring, start up financing, small business loans

    • profile image

      olatoyosi 3 years ago

      Hello sir, i rily love d project work and i wld be so hapi if u cld send dis to my box.olaaduratoyosi94@yahoo.com

    • profile image

      Ajoke 3 years ago

      Sir, U've really done a great job, pls can u send the complete search to ma mail . ajosky2luv@gmail.com.

    • profile image

      IWATT E 3 years ago

      NICE RESEARCH CAN I AV 3 4 5

    • profile image

      joseph 3 years ago

      this is indeed a great work by you. please send the complete work to my email mollysokky@yahoo.com. i am currently on the research topic . the effect of recapitalization on the growth of the nigerian economy.

    • profile image

      KOLLAPURI 3 years ago

      I LIKE RESEARCH WORK

      I WANT TO READ YOUR THESIS

      PLEASE SEND ME A COPY OF THE THESIS TO MY EMAIL ID

      kollapuriragul@gmail.com

    • profile image

      Gift Onyinye 2 years ago

      my dear hope,u re really doing a great job especially to every financial student but pls do u have any knowlegde about Reanson N Effects of Proliferation of Banks in Nigeria?

    • profile image

      goodness enwerem 2 years ago

      nice one pls can u send the full packeg to me my god bless u my email enweremebere@yahoo.com GOD bless u big time

    • profile image

      saidu isah kwala 2 years ago

      Date gud research topic, intresting

    • profile image

      ABUBAKAR YAHAYA 2 years ago

      Sir,Your work is indeed quit recommendable and i wish to urge u to keep up the good work. Please sir i am a student of Ahmadu Bello University zaria, i truly have an intrest in having this topic mail to me to enable me finish a reserch work am doing relating the topic you have written. pls Email me at abubakar.yahaya43@gmail.com

    • profile image

      Yusuf Sunday Shut 2 years ago

      Hello, this is a good research work, am a Researcher/motivational speaker too may you please sent a copy to my e-mail?. shutyusufsunday@yahoo.com Thanks.

    • profile image

      godswill 2 years ago

      plzzz i need chapter it complete up to chapter three

    • profile image

      Udoh Ndubuisi 2 years ago

      A nice job here. Wish I got this when I'm writing my project and seminars. More greese to your elbow. Don't relent in your efforts to add more to this so as to increase your chances to excel. Thank you for a job well done.

    • profile image

      SHARK 2 years ago

      Thumbs up to you great man. may i humbly request for the whole of this project? thanks.

      here is my mail: msbljkayode2010@yahoo.com

    • profile image

      hally 23 months ago

      pls how can I get charpter 1-5

    • profile image

      hally 23 months ago

      My own topic is Impact of consolidation on the performance of Nigerian Banks. Pls are dey the same? I need your reply pls.

    • profile image

      ANUOLUWAPO 21 months ago

      Job well done sir/ madam,

      please how can I get the full chapters.

      thanks for the anticipated response.

      my mail... OLUMIDEH@GMAIL.COM

    • profile image

      ANUOLUWAPO 21 months ago

      Job well done sir/ madam,

      please how can I get the full chapters.

      thanks for the anticipated response.

      my mail... OLUMIDEH@GMAIL.COM

    • profile image

      suliat 18 months ago

      So lovely...sir,can I get d chapter 3-5 of this topic"the impact of CBN in Nigerian economic development"though dey are d same BT I really need your help because the deadline of our project in ma school is on 21st of did month.....tnx,will b appreciable sir.my number is 08033496229

    Comments

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      • profile image

        adediran omowunmi 6 years ago

        This is good work. Pls dear, how can i get the remaining chapter bcos i need them 4 my project. pls.

      • Arinze Hope profile image
        Author

        Arinze Hope 6 years ago from Enugu-Nigeria

        @Toregun Joel Call my mobile/email lets talk about it.my mobile no. +2348065436790

      • profile image

        ozimah I Famous 5 years ago

        please i need your chapter 3,4,and 5 as soon as possible how do I get it?

      • profile image

        oluwasola toyin  5 years ago

        pls sir, i need ur help in searching this topic for me .impact of public relations in marketing of financial services .a case study of spring banks plc.pls send to my mail: solat4good2007@yahoo.com thanks and God bless u.

      • profile image

        Ogochukwu Diyoke 5 years ago

        Hello Arinze,

        This is quite enlightening. it gave me so much insight into the issue of banking consolidation, which is a project i am currently working on. Great work u have. Weldone!!!

      • profile image

        al mahmud 5 years ago

        wow,what a great reasearch. am so intreasting in this reasearch for further reading.can u kindly send d remany into my email. salfmud@yahoo.com. i will b glad if request is granted

      • profile image

        Gabriel sleek 5 years ago

        Goodday bro.....i like dis material, how do i get d rest chapters......i need dem urgently, how do i contact you.....my email add-Gabrichjackpot@yahoo.com.....my phone number is 07036843721

      • profile image

        Ifeanyi 5 years ago

        Gud and great job... Would have loved to have the chapters 3, 4, and 5. How do i get them pls? My mail address is ifesco4real@yahoo.com thanks

      • profile image

        ade 5 years ago

        pls i need a full work on this impact of consolidation on banks performance in nigeria.thanks

      • profile image

        Sisli 5 years ago

        Please i need to meet with you for business. I recide at Abuja and my e-mail is spenelon2002us@yahoo.com or send me ur mobile no in my email and i will call u. in the midst of poor academic quargmire in Nigeria u still did this, i wonder? just lets meet.

      • profile image

        osas 5 years ago

        This is a great work! pls sir, i will love to have the chapter 3,4 & 5. my email is aghasosas@yahoo.com. tx sir

      • profile image

        Oluchi 5 years ago

        Sir,keep it up bt i wish i can write like u bt all the same well done.SIR,pls can u help me wit dis topic:THE IMPACT OF LIQUIDITY ON PROFITABILITY AND CORPORATE GROWTH OF SOME SELECTED COMMERCIAL BANKS IN NIGERIA.Pls sir,contact me wit this mail-Little4reallife@yahoo.com OR +2348069327541.THANKS.

      • profile image

        Ajayi oluwatobi 5 years ago

        Can i get dis topic- impact of information technology & profitability &efficiency of bank in Nigeria. Case study of Skye Bank Plc.

      • profile image

        Daniel omede 5 years ago

        sir, what do i cal u? a 'genius', loaded materials. U've blessd my day. I was on a research on d topic: d concept of public relatn in d banking ind. Dat i com across it. Kip it up. Tnx so moch.

      • profile image

        Samuelovwighotu 5 years ago from Nigeria

        Sir, i am really impressed by your loaded materials which is very helpful for graduating students in the faculty of business studies in Nigeria. Please sir, i will really appreciate it if you can please help me with the updated material of this particular topic, i mean, the remaining chapters of this project researchable topic. Sir, please its an emergency here at school.. here is my email address:samuelovwighotu@yahoo.com, my cell: +2348132854915..... please sir, don't get tired of helping people,its an investment on lives which one day will help you and your generations to come.I am expectant sir. THANK YOU FOR READING THIS! & GOD BLESS YOU SIR.... have a nice day!

      • profile image

        Lovelyn 5 years ago

        Good work, pls sir can i get the rest work down to recommendation and reference, pls its very important to me. My number is 08064641994

      • profile image

        Nathaniel 5 years ago

        Pls it will be my joy if u can send me the rest of this research work chapter 3-5 up to references. Pls i need ur help, Am a final year student of "Waziri Umaru Federal Polytechnic Birnin Kebbi" pls send through this Email nathanieladebisi@yahoo.com or to this number 08055633678 Thanks God will strenght u more in the mighting name of Jesus.

      • profile image

        Wasiu olawale 5 years ago

        Dis is d most compose project i hav ever c in my life great job man and i will loved 2 c d chapter 4 & 5 can u pls send it 2 my yahoo mail, i will apriciate dat if u can do it 4 me and God will continue 2 bless u more nd more nd more thank u. Here is my yahoo mail (waywax94@yahoo.com)

      • profile image

        segun 5 years ago

        whao! wot a nice analysis but i would be very much happier if i could also tap in d remaining parts of ur work i.e chapters 3-5 for academic purpose. my e-mail add is omooye_09@yahoo.com. i wil b very much glad if u can lend ur hand of help. 10ks in anticipation

      • profile image

        ezekiel 5 years ago

        pls i need the significant of the impact of improper recording in the banking sector of nigeria economy, pls can i get it now?

      • profile image

        Abdulhamid bukar 5 years ago

        Hw ar u ne. Ar u mad

      • profile image

        oduniyi opeoluwa 5 years ago

        i love this pls how can i get the full materials pls can u inbox me urgently thks

        pls on oduniyiopeoluwa@yahoo.com

      • profile image

        Odunkola Ajoke 5 years ago

        Bravo! U've really done a great job here. I will be grateful if u cud send the remaining chapters to my email- odunkolaamino@yahoo.com

      • profile image

        Samuel maikomo jatau 5 years ago

        I luv to be an accounter & righ now i'm study accountancy in Nasarawa state polytechnic lafia, Nasarawa state, Nigeria. All my life luv to work in bank. And this is my contact:08033074263 or my email addres: Skillsman92@yahoo.com. Waiting to hear from you sir or ma'am. Thanks a lot. Bye

      • profile image

        Grace ojo 5 years ago

        U are just to much with this handiwork of yours. A hard working person will be great and successful which you av revealed in dis project work, more grease to your power. Pls d remaining chapters, how can I get them? Flash dis nos twice then I will call you. 08035321499

      • profile image

        Salau atinuke rashidat busari 5 years ago

        Oh my God i luv dis work, pls can you send me the remaing ones 4 my project. Pls i need it urgently thank u very much sir. Pls can i have ur number? Mine is 08082089101.

      • profile image

        Nweke maureen onyinye 5 years ago

        That is great ,your woke is wouderful thanks for your job weldone.pls can you send it to my box (maureennweke42@yahoo.com)

      • profile image

        Nkchi 5 years ago

        Waho..... Is perfect pls i need chapter 3,4,5 for my project. Keep it up.

      • profile image

        Arinze ogbonna 5 years ago

        hw can i get dis work

      • profile image

        Tope Akinade 5 years ago

        please i will like to have the chapter 3 of this project. I am working on a similar topic and I am impressed this project content.

        Thank you

        topeakinade@yahoo.com

        08033873288

      • profile image

        Emuelosi Chukwuekwu Hillary 5 years ago

        Waoo this a good work you have wonderfully well plz i need to see the complete project to be updated with the topic thanks a lot

      • profile image

        Adetunji Olabode 5 years ago

        d wisdom of God wil neva run dry in ur life in jesus name(amen).pls sir,i wil lik u 2 send d remianing chapters as dis wil serve as guidelines in my project via email;bhoderian@yahoo.com

      • profile image

        Adetunji Olabode 5 years ago

        d wisdom of God wil neva run dry in ur life in jesus name(amen).pls sir,i wil lik u 2 send d remianing chapters as dis wil serve as guidelines in my project via email;bhoderian@yahoo.com

      • profile image

        Onyemalu Janevine Adaora 5 years ago

        Great work!!!!!!. Am a student of economics in madonna university. Wld luv 2 read more of ur works. Dis is my email add- janevineo@yahoo.com

      • profile image

        Juliet uzoho 5 years ago

        A good research work, well done pls hw did you get the correct data cos am working on such (07033791749)

      • profile image

        mary 5 years ago

        guy na waah uuo, y u put d rest lke recommendation 2 students who r doing same project topic'''anyway gud job

      • profile image

        semilore 5 years ago

        this is a great pls can u help send the full chapter to my email _semilore_@live.com ?

      • profile image

        TOBI 5 years ago

        THIS IS A GREAT JOB CAN U PLS SEND THE FULL CHAPTER TO MY EMAIL. IDOWUTOBI73@YAHOO.COM.

      • profile image

        Lyrina smith 5 years ago

        Wow,what a great work,i love that

      • profile image

        Akunne Geraldine 4 years ago

        U really carried out a wonderful rearch! More grease to ur elbow.pls can u help me with some materials on "Nigerian banking sector reforms from 1999-2010"Pls it's urgent.thanks

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        Ekwu chuks k. 4 years ago

        U did a very nice job, thnks for ur research but frm what i saw on net, your work stops at chapter 2 ie review of related literature. Your chapter 3 ie methodology, the statistical tool used to fr analysis, chapter 4 data presentation and analysis and chapter 5 ur conclusion. Ones more thnks for a job weldone. My contact 08037775539 or emil ekwueku4real@yahoo.com

      • profile image

        Lucy Abang Sofia 4 years ago

        Tanx 4 a job well done,please......... bros. Arinze help me with d chapter 3,4 & 5,of this write up to help complete my project,I need it urgently pl-e-a-s-e.I will obey the terms and conditions applied (if any),here is my email:abanglucy99@yahoo.com,and mobile is:07034830646.I will be highly indebted 2 you if my request is been considered.Tanx.

      • profile image

        Okeke chukwuemeka 4 years ago

        Wow job man...m doing a piece on d fuel subsidy...dis encourages me. Pls can i get remaining chapters sent 2 ma box nw..okeke_emeka2000@yahoo.com.tnx bro

      • profile image

        Lucy Abang sofia 4 years ago

        Please.........create a chance out of ur numerous schedules and send me chapter 3,4 nd 5 of dis write up.please,the expiry date 4 the submission of my project is 10th of this month,help me...............

      • profile image

        Chibuzo ify 4 years ago

        Waho i must congratulate u for this wonderful job u done, but i need the full chapter please can u send them to my e-mail rose chibuzo at yaho.come or my no 08169693966

      • profile image

        john yaor 4 years ago

        men, you are a pride not only to your family, Nigeria, Africa, but the whole world. Please keep it up. God bless you.

      • profile image

        sulaimon idowu 4 years ago

        u have done a great work. Pls keep it up. Pls sir i need a research work on assets nd liabilities management of commercial banks. A case study of UBA. pls my email address is Sulaimonidowu@gmail.com

      • profile image

        Kelvin chuks e. 4 years ago

        Sir Arinze, thks 4 d work down and for d tym dedicated to carry out dz research but u still have a lot of work to do. Afta my suggestions u can ask any supervisor dat kns li2 abt seminar research. In d first place. Ur chapter 1, has 3 statement of d problems instead of 1, and even @ 3, ur objective of d study ought not to b 4. Ur research questions suppose to tally wt ur hypotheses but it dd not. 4 instance u stated 10 research questions and 2 hypotheses, it ought not to b like dat, in ur chapter 2 ur empirical study is missing and d concept is mixt up wt d theoretical frame work. Also in stating ur hypotheses considering d topic u are researching on , u don't have to state ur alternate hypotheses rada ur null hypotheses dat wl b tested later in chapter 4. Finally ur citations are wrong xpecially frm s/no 2.4.1 till d end of ur chapter 2. Thks u can ask odas dat have li2 knowledge of seminar research if u doubt me. My contact 08189200052, e mail kelvin4ck@yahoo.com. 1s more thnks for d work done.

      • profile image

        Eugene 4 years ago

        great reseach i love it keep up with the good work

      • profile image

        Ogedengbe Gbenga 4 years ago

        please help me inbox d chapter 4 n 5 to my facebook acct ogedengbegbenga@yahoo.com.I will really appreciate it.

      • profile image

        Ogedengbe Gbenga 4 years ago

        please help me inbox d chapter 4 n 5 to my facebook acct ogedengbegbenga@yahoo.com.I will really appreciate it.

      • profile image

        Abraham Frank Elijah 4 years ago

        Dis is my e-mail simplefrank94@yahoo.com

      • profile image

        dafe ukuwrere 4 years ago

        Gud research work. Please kindly send the complete materials to my email box. dafe74@gmail.com

      • profile image

        JEREMIAH DELIGHT 4 years ago

        The impact of banks consolidation on economy growth in Nigeria(2005-2011)

      • profile image

        JEREMIAH DELIGHT 4 years ago

        Gr8t men,pls help me to downloan or send this gr8t topic to my Emeil(www.delight4people@yahoo.com) That's my project topic. Tanx vry much 4 ur concern.The impact of banks consolidation on economy growth in Nigeria(2005-2011)

      • profile image

        bukola olajide 4 years ago

        bravo u have done a wonderful job.pls sir,send me chap 3,4,recommendation,conclusion n references.send 2 koladeibrahim77@yahoo.com thanks

      • profile image

        Prince 4 years ago

        You really did a commendable work and I think that you should keep it up.Please kindly send the full chapters to my mail it will be a good reference point for my project and other research works. locoipocolo@yahoo.com. Thanks

      • profile image

        ndalijoel@gmail.com 4 years ago

        well done,may u plz research about direct sales and profitability

      • profile image

        Ozavinoyi Aminu 4 years ago

        You 've done a wonderful job! More grease 2 ur elbow.Plz kindly forward the chapters to my mail. ozams2000@yahoo.co.uk. Tanking you for ur kindness& God blessings

      • profile image

        Idowu oladejo taofeek 4 years ago

        Welldone job sir. Sir, i nee chapter 3,4,and 5 for d copletion of my projet.inbox m on dejoidowu@yahoo.com

      • profile image

        JEREMIAH DELIGHT PRINCE 4 years ago

        Sir, i love your work,courage,mentorship etc. You've been a blessing in my Academic. Thank you nd God you nd your work. But sir, pls help me with the chapter 3;4 nd5 @ delight4people@yahoo.com or 07067996599. Tanx 4 your concern

      • profile image

        Oghenemaro israel 4 years ago

        I luv this sir.pls sir,what would it take to forward the remaining chapters? I need it,its wonderful.THANKS! emarowonders@yahoo.com

      • profile image

        Temi Talabi 4 years ago

        Pls send m chapters 3-5. Tks

      • profile image

        Dada ademola oluwaseyi 4 years ago

        I love dis topic becos i hve learn a lot 4rm it.so i will be please if the chapter three will be send to me so dat i can kwn hw the four will go.

      • profile image

        Steven Ege 4 years ago

        I apprecaite ur good work n effort . Please sir, sent me chapter 3 to 5 . Sir, i also need ur help on this topic markeking stratdgy in nigeria banking industy . A case of first bank plc

      • profile image

        Steven Ege 4 years ago

        I apprecaite ur good work n effort . Please sir, sent me chapter 3 to 5 . Sir, i also need ur help on this topic markeking stratdgy in nigeria banking industy . A case of first bank plc

      • profile image

        Steven Ege 4 years ago

        I appreciate ur gudwork n effort. Ps sent me chapter 3 n 5 . Sir, i need ur help on this topic ( the effect marketing strategy in banking industry and the performance, a case of first bank plc).

      • profile image

        Steven Ege 4 years ago

        I appreciate ur gudwork n effort. Ps sent me chapter 3 n 5 . Sir, i need ur help on this topic ( the effect marketing strategy in banking industry and the performance, a case of first bank plc).

      • profile image

        Emmanuel Atser 4 years ago

        I heartily appreciate ur work and I want to let u know that ur work is exactly my project topic. i'll be happy if u send it thro my mail. my mail address is: emmyatser2012@gmail.com. thnks

      • profile image

        OGINNI JOHN 4 years ago

        PLEASE I AM VERY IN NEED OF THIS PROJECT MATERIAL,

        PLEASE, MY E_MAIL Oginnijonlaw1@yahoo.com. i will be very greatful

      • profile image

        lekan4life 4 years ago

        sir i don't known the kind of prayer i will pray for u what i know is that God we continue to empower u he we continue to give u knowledge and understanding.Sir, i will be happy if u can send me the reaming chapter 3 to 5 to this e-mail address sado290@yahoo.com thank u sir

      • profile image

        OLANREWAJU 4 years ago

        IMPACT OF BANK CONSOLIDATION. PLS I NEED THIS TOPIC AND MATERIAL. OLANREWAJUTEMIDAYO@YAHOO.COM IS MY E- MAIL

      • profile image

        judith 4 years ago

        Arinze u did an excellent work i must say.can u pls forward the whole work to my email.ive been given a similar assignment to be submited next week wed.pls ur assistance is urgently needed.my email is callmejudith4real@yahoo.com. THANKS in Anticipation

      • profile image

        anointedharrison@gmail.com 4 years ago

        sir,am a project student researching on impact of bank consolidation in nigeria.sir pls hw can i get d remaining chapter?

      • profile image

        sola4real2010@yahoo.com 4 years ago

        pls i need the remaining chapters.my e-mail sola4real2010@yahoo.com

      • profile image

        sola4real2010@yahoo.com 4 years ago

        pls i need the remaining chapters.my e-mail sola4real2010@yahoo.com

      • profile image

        hassanlanre20 4 years ago

        Good evening Sir, this is a good job. I will like to have the remaining chapters, if you will not mind. My e-mail address is hassanlanre20@yahoo.com.

        God bless

      • profile image

        shogz98 4 years ago

        pls, i am intreseted in your work..can you send it to my mail at shogz98@gmail.com

      • profile image

        entityhimself 4 years ago

        Nice Work here I Love this Research...Please if any of you has the complete work i'll like the person to send it to any of these e-mail addresses entityhimself@ymail.com,entityhimself@gmail.com or junokmez@ovi.com...or please u can flash 08096781192 and i'll call back.Please i need it urgently

      • profile image

        James Sunday 4 years ago

        Good work you got there!

      • profile image

        Reni 4 years ago

        Hi Please can you kindly send me this work. Thanks

        email add: olufunmi_wonder@yahoo.com

      • profile image

        chidi 4 years ago

        Dear Ur work is just fantastic and educative.pls ,am faced with a similar topic:The impact of merger and acquisition on the working capital of banks in Nigeria (a case study of united bank of Africa)

      • profile image

        kehinde odeniran 3 years ago

        pls I need the concluding part of the project,Email me to

        Kennis4show@yahoo.com

      • profile image

        ENY 3 years ago

        HI ARINZE, CAN U PLS FORWARD THE FULL CONCLUDING PART OF THE PROJECT VIA MY EMAIL. mimi_watt@yahoo.com. waiting for response.

      • profile image

        yasir 3 years ago

        plz send cahp 3,4 and 5 to my mail adress its "yasiralvi88@gamil.com " will greatly thankful to you

      • profile image

        CHIKA EJE 3 years ago

        you have done a wonderful work. please would appreciate it more if you send this the full work to my email: chikaeje97@yahoo.com.

      • profile image

        frank okeke 3 years ago

        i need chapter 4 and 5 i recommend your work pls can i get it before tomorrow sir?

      • profile image

        frank okeke 3 years ago

        dis is my E-mail frank2c3@yahoo.com

      • profile image

        Eze Deby 3 years ago

        I love your work because it gave me a better understanding of my own project work. please can you help me with a little write up on this project topic: the use of financial statement analysis as a tool for assessing loan application.this is my e-mail:qchel2behold@yahoo.com. Thank you so much.

      • profile image

        Fish 3 years ago

        pls email it to me : ) 282435539@qq.com

      • profile image

        miebaka Ibibi 3 years ago

        yOUR HANDS ARE IN GOOD PURPOSE, AS WELL AS GIVING OUT FACT IDEALS TO ALL RESERACHERS. PLS I NEED UR HELP ON CHAPTER 3 AND 5. THANKS

      • profile image

        Abubakar Musa 3 years ago

        Thanks a lot, I do apreciate your act of sharing this wonderful idea to all! Please kinkly post me the chapter 3 which should involve the population and sample size of this project research work..........! Pls post it to me through this email Abiousmosty@yahoo.com

      • profile image

        dankarag9 3 years ago

        Providing Loans and Advice for Business Franchise lending, Factoring, start up financing, small business loans

      • profile image

        jerijerk@yahoo.com 3 years ago

        pls i need dis work project especially the chapter five

      • profile image

        Poudel G 3 years ago

        Nice job. I hope you have completed ur job. If it is possible plz mail me at paudel_guru@hotmail.com

      • profile image

        olatoyosi 3 years ago

        Wld can appreciate it sir if u can send 3,4and 5 sir

      • profile image

        owilli patrick komol 3 years ago

        hullo every one

      • profile image

        Mr. Odukpor, Eric 3 years ago

        This is a nice job can i pls get the full research work? this is my e-mail address. ricky2k5gold4chinebs@yahoo.com. Thanks

      • profile image

        ADTREN 3 years ago

        PLS, I NEED YOUR CHAPTER THREE

      • profile image

        uma sabo 3 years ago

        I am Dr Uma Sabo,a traditional spiritual herbal doctor I can fix so many questions or problems that come in your life......For the solution of problems and some problems i help/solve.........l can make your ex-lover wife/husband come back to you..........Business problems......Difficulty in birth.....Marriage problems....Healing all type of sickness......stroke......... Any Type Of Cancer..........Madness.......Witchcraft......Jinns......Financial problems........Traveling issue ......helping of students........giving people magic......eyes problems.........broken bones.......Working on lotto numbers ........infertility........contact me today via email drumasabospelltemple@gmail.com

        and your problems will be solved..

      • profile image

        bailey 2 years ago

        please uma sabo, what are you saying ?? people need something so serious and your busy joking around ? hmmmmmmmmmmmmmmmn, what ever man. it is just university stuff.

      • profile image

        Edison 2 years ago

        the complete project lease

      • profile image

        Adeleye Ademola 2 years ago

        Excellent research bro!pls can you sent the full resarch work to my box,I will like to use it for my Masters project,thanks.

        ade2leye2008@yahoo.com

      • profile image

        Kayode 23 months ago

        Dis is Awesome in short, pls I will need d concluding part of dis research work. My Email is Kemkay86@gmail.com

      • profile image

        okoro rose 21 months ago

        How To Make Money Printing Recharge Cards

        New Secrets OF Making N100,000 Printing GSM Recharge Vouchers Cheaper And Selling Profitably to Over 100 Call Centers In Your Area To Buy From You and Smiling to the Bank!

        Have you ever wanted to go into recharge card business but you are wondering if it will actually be profitable for you. You just don't want to make mistake, you are afraid you don't kn

        ow much about the business.

        You have thought, if only you could know where to buy recharge card cheaper and sell profitably. Or how you can buy in bulk and sell to all the retailers in your area and smile to the bank.

        I have good news for you, all that dream you can make it come true, if you take advantage of the tips I'm offloading to you here. The commonest challenges faced by every entrepreneur, even the successful ones is the fear of the unknown and so you are not alone but don't let it stop you from becoming the next GSM millionaire.

        Have you observed that all the GSM operators have introduced lower recharge card values in N100, N150, N200, N250, N300, N400 and N500. Why do you think they all now have these lower recharge vouchers? Remember, N500 was the lowest value in the market before MTN came out with N400. But now the lowest is N100 and do you believe we could have even N50 value soon.

        One thing can only explain the reason for the lower recharge cards, it sells faster. Operators are experiencing a boom in recharge card consumption since the introduction of lower recharge cards.

        For example, I used to spend N3000 monthly on recharge card on my phone, but now I buy at least one N200 card everyday and that has increased my monthly bill in one phone to N6000 per month.

        Now relate this to selling of these lower recharge cards. The demand for them is he reason they are being sold above the price value. N100 to N400 cards sell for N20 above their values.

        Who do you think takes these values? Who do you think takes these extra profit, the retailers because even though dealers get it at almost 8 percent discount, they sell at N165 for the N200 to retailers and some even sell for the N200, pocketing N160 per voucher.

        The most interesting thing however is that only few people supply these vouchers to retailers. Imagine if it's only one or two people are supplying all the lower recharge cards in your town, how much profit could he be making in one month?

        You may think it's impossible for just one person to be supplying these vouchers when there are many dealers scattered all over the state.

        The printing and distributing of voucher pins are the exclusivity of some few GSM operators' dealers. About 2 per cent of the dealers have this license. Do you now see why only one person could be making all these money in your state?

        Well, I didn't mean to wet your financial appetite and leave you waiting. You too can be among the few people that can print and distribute these fast selling vouchers in your state. And you don't have to become a GSM operators licensed dealer that would be a costly process. You can take advantage of dealers who have the license but don't wish to print themselves.

        With their full support and supply of vouchers pins, you are on your way to making N100,000 or more monthly, printing and selling lower recharge vouchers that are hotcakes all over the country whether it's MTN, Vmobile, Glo, Mtel, you can print them in any quantity you so wish.

        In case you are wondering if it would not cost you millions to start, not at all, with as low as N50,000 you can start printing vouchers. Some people print with computer, special voucher printing software; one can also just walk into a cyber cafe and, browse for 10 minutes, download the pins, and send it to print at the cafe, pay N10 or N20 per A4 page

        you print and walk away to sell your vouchers to your customers

        BELOW IS THE CONTACT DETAILS OF THE DEALER,

        Okoro rose (Dealer)

        E-mail ; s_nd2009@yahoo.com

        Te l : 07066067134

        Thanks,

      • profile image

        nifty camron 19 months ago

        nice work pls na chapter 3 n 4 I need

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